Health Insurance Explained

[venkat_ravinder]

[quote name='Daakumangalsingh' timestamp='1368051061' post='1303725588']
deductibles surgery or major things anem kadu... chinna injection ki kuda... or x-ray or medical apparel (arm band, wrist band) ki kuda deductible kinda vastundi.. if the doctor decides to charge.... and evevi cover avutayi anedi ne isnurance plan batti vuntundi....
ne urgent care co-pay kuda same $20 vunduntundi... brochure chusuko... if not they will send the bill later to your house....
[/quote]

yeah naa copay 20$ kabatti 20 ee kattanu... but appudu nenu naa motham bill enduku kattaledu

[sboyr2r]

[quote name='ganguly183' timestamp='1368051258' post='1303725607']
yeah naa copay 20$ kabatti 20 ee kattanu... but appudu nenu naa motham bill enduku kattaledu
[/quote]your insurance plan urgent care co-pay must have been 20$... (urgent care co-pay is mentioned seperately in your brochure.. it is not the same as a normal co-pay) and the services you got during the visit must have been in house covered under the visitation services doctor agreed for.

[ALFANI]

[quote name='ganguly183' timestamp='1368051167' post='1303725601']
nuvvu cheppindi artham ayindi bhayya... nenu adigedi endi ante ippudu nenu only 20$ ee enduku kattanu.... naa deductible 1000$ kada dani prakaram motham 200$ nene kattali kada.... from when does deductible come into picture... does it also depends on our policy?? if so... what is that term called
[/quote]
my guess ...1000/year avvaganey total bill vastundi..

[sboyr2r]

[quote name='ALFANI' timestamp='1368051547' post='1303725631']
my guess ...1000/year avvaganey total bill vastundi..
[/quote]no... this is the money you need to pay for the service provider... why do you think he will wait until you get a 1000$ services in that year? Everyone needs money immediately after they render the services...

[venkat_ravinder]

[quote name='Daakumangalsingh' timestamp='1368051416' post='1303725624']
your insurance plan urgent care co-pay must have been 20$... (urgent care co-pay is mentioned seperately in your brochure.. it is not the same as a normal co-pay) and the services you got during the visit must have been in house covered under the visitation services doctor agreed for.
[/quote]

so u meant... naa deductible reach ayyentha varaku nenu doc deggariki vellina prathi sari naa full amount nene kattali??

[calif_123]

really Good Post dude..

[sboyr2r]

[quote name='ganguly183' timestamp='1368051963' post='1303725654']
so u meant... naa deductible reach ayyentha varaku nenu doc deggariki vellina prathi sari naa full amount nene kattali??
[/quote]read the first post once again. you are merging co-pay and deductible. They are different... nuvvu doctor taggariki vellina prati sari co-pay kadutune vundali.... emanna additional services like x-ray, CT scan, urine test (some doctors include them in their office visit some doctors don't. MOSTTTT DOCTORS DONOT INCLUDE THESE SERVICES IN THEIR OFFICE VISIT) tesukunte nee deductible fulfill ayyentha varaku you need to pay in full for those additional services rendered.

[sboyr2r]

thanks all for the appreciation

[venkat_ravinder]

[quote name='Daakumangalsingh' timestamp='1368052318' post='1303725677']
read the first post once again. you are merging co-pay and deductible. They are different... nuvvu doctor taggariki vellina prati sari co-pay kadutune vundali.... emanna additional services like x-ray, CT scan, urine test (some doctors include them in their office visit some doctors don't. MOSTTTT DOCTORS DONOT INCLUDE THESE SERVICES IN THEIR OFFICE VISIT) tesukunte nee deductible fulfill ayyentha varaku you need to pay in full for those additional services rendered.
[/quote]
ok... thank you bhayya... may be naa network lo vunna docs xrays ni kuda copay la consider chesinattunnaru....
intha specific ga enduku adiga ante naaku shoulder problem vunde... chala sarlu doc deggariki vella.. xrays tisaru kani copay ne kattanu prathi sari..... MRI Scan inka surgery cheyinchukunnappude deductible start ayindi nadi.... so anduke only for major things ki matrame deductible vuntundi ani anukunna....

[accuman]

[quote name='Daakumangalsingh' timestamp='1368043639' post='1303724789']
no one can. Why?
Each area lo service providers charge differently.... so business deal between service provider and network provider, and network provider and insurance company different vuntundi... so you never know which one is a good deal.... paina terms ardham ayyayi kada... nee requirements ento neku clarity vachaka ne requirements ki ee insurance better oo nee local area lo nuvve enquire chesukovali... google helps... me area lo most searched items ni batti results istundi kabatti neku telustundi.... colleagues/locals tho matladu manchi advises istaru.... Sory i couldn't be of much more help. Thanks.
[/quote]
baga cheppavu baa.



inka simple ga cheppali ante ninnu byapetti dabbulu kattinchukovatame ee insurs anni.

ee insurs lekapothe ee vardhamana desam ledu emi leedu.

[sboyr2r]

[quote name='ganguly183' timestamp='1368052671' post='1303725698']
ok... thank you bhayya... may be naa network lo vunna docs xrays ni kuda copay la consider chesinattunnaru....
intha specific ga enduku adiga ante naaku shoulder problem vunde... chala sarlu doc deggariki vella.. xrays tisaru kani copay ne kattanu prathi sari..... MRI Scan inka surgery cheyinchukunnappude deductible start ayindi nadi.... so anduke only for major things ki matrame deductible vuntundi ani anukunna....
[/quote]x-ray entha.... 20$ kuda avvadu.... doctor ki in-house machine vunte complimentary ga tesuntadu... co-pay lo maxxxxx cover avvadu...... MRI scans are expensive... X-ray ki doctor taggara kakunda bayataki velli teeyinchukunte neku bill intiki vastadi.... address emanna marava? bayata vere disnostic services taggara teeyinchukunte X-ray oka sari call chesi followup avvu.. any bill pending ani... X-rays (if doctor didnot provide the service as a complimentary) comes under deductibles for sure... gone were those days when cheap services were given for free..... another possibility doctor local clinic emo hospital kakunda... so local clinic doctors new patient sign up kinda satisfy cheyadaniki konni services free istaru.... for example dentists offers free teeth whitening for new patients if asked... (even if dental insurance doesnt cover cosmetic charges)... better understanding kosame mee specific brochures chadavandi ani cheppanu....

[venkat_ravinder]

[quote name='Daakumangalsingh' timestamp='1368053101' post='1303725715']
x-ray entha.... 20$ kuda avvadu.... doctor ki in-house machine vunte complimentary ga tesuntadu... co-pay lo maxxxxx cover avvadu...... MRI scans are expensive... X-ray ki doctor taggara kakunda bayataki velli teeyinchukunte neku bill intiki vastadi.... address emanna marava? bayata vere disnostic services taggara teeyinchukunte X-ray oka sari call chesi followup avvu.. any bill pending ani... X-rays (if doctor didnot provide the service as a complimentary) comes under deductibles for sure... gone were those days when cheap services were given for free..... another possibility doctor local clinic emo hospital kakunda... so local clinic doctors new patient sign up kinda satisfy cheyadaniki konni services free istaru.... for example dentists offers free teeth whitening for new patients if asked... (even if dental insurance doesnt cover cosmetic charges)... better understanding kosame mee specific brochures chadavandi ani cheppanu....
[/quote]
bayata eppudu cheyinchukoledu... only doctor deggariki vellinappude..... this sounds logical....

[sboyr2r]

[quote name='accuman' timestamp='1368052932' post='1303725708']
baga cheppavu baa.



inka simple ga cheppali ante ninnu byapetti dabbulu kattinchukovatame ee insurs anni.

ee insurs lekapothe ee vardhamana desam ledu emi leedu.
[/quote]manishi bratikede renditi meeda... bhayam and aasha... ee rendu leka pothe manam kuda jantuvulame....
insurance company ni emanoddu.... they are exploiting our weakness.... infact business is that way.... if you are healthy you are the loser in terms of money (but look at the bright side, you are not suffering.. you are a winner), if you are unhealthy you are the winner moneywise (neku leni time and brains ni vallu ne taggar money teesukuni invest chesi ne treatment kosam help chestunnaru)

[Guest Lafoot_Mod]

chinna doubt....

Blue cross lo deductible 2500 ki 88 per month and 5000 ki 111 undhi...idhem logic u

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[Guest]

Good post